It would lead to incentives for patients to maintain a healthy lifestyle and use preventative care because it would lower their risk category and premium price.

Today’s health plan is transformed into bifurcated coverage ( self insurance + insurance payment) that is owned by the patient in a tax free account that is personal , portable and affordable for all Americans

There is protocol insurance which covers all necessary health care needs when expensive insurable events occur and funded by the premium difference from today’s more expensive health plan,

There is a “self insurance” which remains in the asset account after the insurance premium is paid that is used by the patient to cover initial diagnostic visits to the doctor, discretionary care and routine healthcare

The pretax asset savings account, which pays for all discretionary and routine medical care as well as premiums for the portable protocol insurance, is funded by defined contributions from employers, Medicaid and Medicare, individual contributions, and refundable tax credits or vouchers (in the case of lower income individuals).

All protocol insurance payments are paid into this account instead of to the providers. All health care goods and services are paid by the patient directly from this account

This plan balances the physician’s selling of expensive procedures against the patient’s choice to spend money in his asset savings account, for which he may have other use in the future

Allows all American to have access to affordable disability and long term care insurance to be paid out of money currently being used to pay the high insurance plan premiums